Your Benefits

A comprehensive and customized benefits plan tailored to meet members’ needs.

Every year the Power Sector Benefit Trust (PSBT) surveys all members to understand your coverage requirements better. Through this process, we select benefits our members request and improve our benefit package to suit our members’ changing needs.

Standard coverage in our package includes: Full Medical (including Prescription Drugs), Dental, Vision, Life Insurance (including Dependent Life Insurance), Accidental Death and Dismemberment and Long-Term Disability.

Here are some details of the great coverage we offer:

Life Insurance
Flat amount of $100,000.

Accidental Death and Dismemberment
Each Member and spouse: Flat amount of $50,000.

Medical and Vision
Your deductible per calendar year is nil. Reimbursement is 100% of eligible charges.

Dependent's Group Life
Spouse: $25,000 Each Child: $5,000 Benefits for children commence 14 days after birth.

Pay Direct Drugs
Your deductible per prescription is nil. Reimbursement is 100% of eligible charges. Your maximum Dispensing Fee is $7.00 per Drug Identification Number (DIN).

Basic Services
Reimbursement is 100% of Insured Charges. The overall maximum is unlimited. For a more complete description of these benefits, please refer to the Benefits Booklet.

Canada Life bases your reimbursement on the current year's Dental Association’s Suggested Schedule of Fees for General Practitioners, as of the 1st of the month following the month in which Canada Life receives the new Schedule. Your deductible per calendar year is nil.

Member and Family Assistance Program
The PSBT trustees are pleased to offer the Member and Family Assistance Program (MFAP) as part the plan. Confidential assistance is available for a broad range of personal and work-related concerns, which may affect you or your family. Visit the MFAP page for more information about these benefits